WO2006101711A3 - Negotiable instrument authentication systems and methods - Google Patents

Negotiable instrument authentication systems and methods Download PDF

Info

Publication number
WO2006101711A3
WO2006101711A3 PCT/US2006/007989 US2006007989W WO2006101711A3 WO 2006101711 A3 WO2006101711 A3 WO 2006101711A3 US 2006007989 W US2006007989 W US 2006007989W WO 2006101711 A3 WO2006101711 A3 WO 2006101711A3
Authority
WO
WIPO (PCT)
Prior art keywords
account
verification
methods
security feature
data values
Prior art date
Application number
PCT/US2006/007989
Other languages
French (fr)
Other versions
WO2006101711A2 (en
Inventor
Glen Sgambati
Robert Perrotta
Rich Mayo
Original Assignee
First Data Corp
Glen Sgambati
Robert Perrotta
Rich Mayo
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by First Data Corp, Glen Sgambati, Robert Perrotta, Rich Mayo filed Critical First Data Corp
Priority to CA2602317A priority Critical patent/CA2602317C/en
Publication of WO2006101711A2 publication Critical patent/WO2006101711A2/en
Publication of WO2006101711A3 publication Critical patent/WO2006101711A3/en

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Systems, methods, and databases are disclosed for authenticating negotiable instruments. In one embodiment, the method comprises receiving, at an authentication system, a plurality of data values associated with a negotiable instrument, the plurality of data values including an image security feature and an account. The method further comprises obtaining account decoding information from an account verification databases, the account verification database including decoding information for each of a plurality of financial institutions; decoding the image security feature using the account decoding information; obtaining one or more verification values from the decoded image security feature; comparing each of the verification values to a corresponding one of the data values; and transmitting a result communication indicating a result of the comparison.
PCT/US2006/007989 2005-03-18 2006-03-06 Negotiable instrument authentication systems and methods WO2006101711A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA2602317A CA2602317C (en) 2005-03-18 2006-03-06 Negotiable instrument authentication systems and methods

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/083,545 2005-03-18
US11/083,545 US7337953B2 (en) 2004-02-06 2005-03-18 Negotiable instrument authentication systems and methods

Publications (2)

Publication Number Publication Date
WO2006101711A2 WO2006101711A2 (en) 2006-09-28
WO2006101711A3 true WO2006101711A3 (en) 2007-04-05

Family

ID=37024297

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/007989 WO2006101711A2 (en) 2005-03-18 2006-03-06 Negotiable instrument authentication systems and methods

Country Status (3)

Country Link
US (1) US7337953B2 (en)
CA (1) CA2602317C (en)
WO (1) WO2006101711A2 (en)

Families Citing this family (40)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7357312B2 (en) * 1998-05-29 2008-04-15 Gangi Frank J System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods
US6131811A (en) 1998-05-29 2000-10-17 E-Micro Corporation Wallet consolidator
US10346620B2 (en) 2004-02-06 2019-07-09 Early Warning Service, LLC Systems and methods for authentication of access based on multi-data source information
US20050177542A1 (en) * 2004-02-06 2005-08-11 Glen Sgambati Account-owner verification database
US7283656B2 (en) * 2004-03-17 2007-10-16 Federal Reserve Bank Of Cleveland Assessing electronic image quality
US7431201B2 (en) * 2004-07-09 2008-10-07 U. S. Bank Corporation System and method for managing requests to document archives, routing requests and delivering requests to a variety of channels or delivery mechanisms
US7594600B2 (en) * 2005-02-28 2009-09-29 Federal Reserve Bank Of Atlanta Expanded mass data sets for electronic check processing
US7686209B2 (en) 2005-02-28 2010-03-30 Federal Reserve Bank Of Dallas Cash letter print streams with audit data
US20060282270A1 (en) * 2005-06-09 2006-12-14 First Data Corporation Identity verification noise filter systems and methods
US7802717B2 (en) * 2005-07-07 2010-09-28 Federal Reserve Bank Of Dallas Electronic image cash letter monitoring
US8032462B2 (en) 2005-07-07 2011-10-04 Federal Reserve Bank Of Kansas City Electronic image cash letter balancing
US8109435B2 (en) * 2005-07-14 2012-02-07 Early Warning Services, Llc Identity verification switch
US7354004B2 (en) * 2005-08-23 2008-04-08 The Western Union Company Presentation instrument display and activation systems and methods
US20070067238A1 (en) * 2005-09-21 2007-03-22 Capital One Financial Corporation System and method for transferring information between financial accounts
US7669758B2 (en) 2006-04-04 2010-03-02 American Express Travel Related Services Company, Inc. Obtaining transaction accounts using identification cards
US8387862B2 (en) * 2006-05-17 2013-03-05 Federal Reserve Bank Of Dallas Electronic image cash letter validation
TW200834446A (en) 2006-10-11 2008-08-16 Visa Int Service Ass Method and system for processing micropayment transactions
US10068220B2 (en) 2006-10-11 2018-09-04 Visa International Service Association Systems and methods for brokered authentication express seller links
US20080162322A1 (en) 2006-11-07 2008-07-03 Federal Reserve Bank Of Richmond Automated return item re-clear
US7860268B2 (en) * 2006-12-13 2010-12-28 Graphic Security Systems Corporation Object authentication using encoded images digitally stored on the object
US7958050B2 (en) * 2007-07-02 2011-06-07 Early Warning Services, Llc Payment account monitoring system and method
US8573498B2 (en) 2007-11-06 2013-11-05 Federal Reserve Bank Of Kansas City Identifying duplicate printed paper cash letters
US7918386B2 (en) 2007-11-06 2011-04-05 Federal Reserve Bank Of Kansas City Cash letter print verification
US8238638B2 (en) 2008-01-31 2012-08-07 Federal Reserve Bank Of Kansas City Tag validation for efficiently assessing electronic check image quality
US7827108B2 (en) * 2008-11-21 2010-11-02 Visa U.S.A. Inc. System and method of validating a relationship between a user and a user account at a financial institution
US20110106674A1 (en) * 2009-10-29 2011-05-05 Jeffrey William Perlman Optimizing Transaction Scenarios With Automated Decision Making
US8280788B2 (en) 2009-10-29 2012-10-02 Visa International Service Association Peer-to-peer and group financial management systems and methods
US8676639B2 (en) 2009-10-29 2014-03-18 Visa International Service Association System and method for promotion processing and authorization
US11025599B2 (en) 2011-04-19 2021-06-01 Early Warning Services, Llc System and method for encrypting a data alert
US20120330819A1 (en) 2011-06-21 2012-12-27 Early Warning Services, Llc System and method for locating and accessing account data
US10607284B2 (en) 2011-06-21 2020-03-31 Early Warning Services, Llc System and method to search and verify borrower information using banking and investment account data and process to systematically share information with lenders and government sponsored agencies for underwriting and securitization phases of the lending cycle
KR101451214B1 (en) * 2012-09-14 2014-10-15 주식회사 엘지씨엔에스 Payment method, server performing the same, storage media storing the same and system performing the same
US11361285B2 (en) * 2015-04-30 2022-06-14 Gardner/Wyatt Ventures, LLC Method and system of preventing duplicate check presentation
US10929838B2 (en) * 2018-01-19 2021-02-23 Leadot Innovation, Inc. Card not present transaction system and method for operating card not present transaction system to simplify hardware required at client sites
US11055692B1 (en) 2020-09-10 2021-07-06 Square, Inc. Application integration for contactless payments
US11544695B2 (en) * 2020-09-10 2023-01-03 Block, Inc. Transaction identification by comparison of merchant transaction data and context data
US11475427B2 (en) 2020-12-15 2022-10-18 Toast, Inc. Server for transaction handoff and completion employing ephemeral token
US11651342B2 (en) 2020-12-15 2023-05-16 Toast, Inc. Point-of-sale terminal for transaction handoff and completion employing ephemeral token
US11651344B2 (en) * 2020-12-15 2023-05-16 Toast, Inc. System and method for transaction handoff and completion employing indirect token
US11475426B2 (en) * 2020-12-15 2022-10-18 Toast, Inc. System and method for transaction handoff and completion employing ephemeral token

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5679940A (en) * 1994-12-02 1997-10-21 Telecheck International, Inc. Transaction system with on/off line risk assessment
US5832463A (en) * 1996-03-28 1998-11-03 Electronic Data Systems Corporation Automated system and method for checkless check transaction
US20030115470A1 (en) * 2001-12-14 2003-06-19 Cousins Steve B. Method and apparatus for embedding encrypted images of signatures and other data on checks

Family Cites Families (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US217003A (en) * 1879-07-01 Improvement in telephones
US103756A (en) * 1870-05-31 William livingstone
US52852A (en) * 1866-02-27 Improved brick-machine
US130919A (en) * 1872-08-27 Improvement in horse-collars
US5265007A (en) * 1988-06-07 1993-11-23 Huntington Bancshares Incorporated Central check clearing system
US5305196A (en) * 1989-05-01 1994-04-19 Credit Verification Corporation Check transaction processing, database building and marketing method and system utilizing automatic check reading
US5404488A (en) * 1990-09-26 1995-04-04 Lotus Development Corporation Realtime data feed engine for updating an application with the most currently received data from multiple data feeds
US5175682A (en) * 1990-12-14 1992-12-29 Verifone, Inc. Check system and method including prioritizing checks for transmission to banks for processing
US5657389A (en) * 1995-05-08 1997-08-12 Image Data, Llc Positive identification system and method
US5819236A (en) * 1995-06-12 1998-10-06 Carreker-Antinori, Inc. System and method for providing advance notification of potential presentment returns due to account restrictions
US6119103A (en) * 1997-05-27 2000-09-12 Visa International Service Association Financial risk prediction systems and methods therefor
US6189785B1 (en) * 1998-04-14 2001-02-20 International Check Services Demand deposit account data processing system
US6754640B2 (en) 2000-10-30 2004-06-22 William O. Bozeman Universal positive pay match, authentication, authorization, settlement and clearing system
US20020103756A1 (en) 2001-01-30 2002-08-01 Valutech, Inc. Business method for implementing on-line check acceptance and processing
US20030130919A1 (en) 2001-11-20 2003-07-10 Randy Templeton Systems and methods for selectively accessing financial account information
US7383227B2 (en) 2002-05-14 2008-06-03 Early Warning Services, Llc Database for check risk decisions populated with check activity data from banks of first deposit
US7177846B2 (en) * 2002-07-29 2007-02-13 Checkfree Corporation Technique for account authentication
CA2436319C (en) * 2002-08-02 2014-05-13 Calin A. Sandru Payment validation network

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5679940A (en) * 1994-12-02 1997-10-21 Telecheck International, Inc. Transaction system with on/off line risk assessment
US5832463A (en) * 1996-03-28 1998-11-03 Electronic Data Systems Corporation Automated system and method for checkless check transaction
US20030115470A1 (en) * 2001-12-14 2003-06-19 Cousins Steve B. Method and apparatus for embedding encrypted images of signatures and other data on checks

Also Published As

Publication number Publication date
WO2006101711A2 (en) 2006-09-28
US20050211763A1 (en) 2005-09-29
CA2602317C (en) 2016-11-15
US7337953B2 (en) 2008-03-04
CA2602317A1 (en) 2006-09-28

Similar Documents

Publication Publication Date Title
WO2006101711A3 (en) Negotiable instrument authentication systems and methods
WO2006096862A3 (en) Electronic verification systems
WO2006023839A3 (en) Method and system for authorizing a transaction using a dynamic authorization code
US20110167004A1 (en) Electronic signature security system
CN100566255C (en) Improve the method and system of safety of intelligent key equipment
WO2008073572A3 (en) Batch settlement transactions system and method
WO2003073386A3 (en) Player authentication for cashless gaming machine instruments
WO2008015458A3 (en) System and method for authenticating a workflow
WO2008027247A3 (en) A method and system for authenticating and validating identities based on multi-modal biometric templates and special codes in a substantially anonymous process
WO2006074021A3 (en) Identity verification systems and methods
WO2005045617A3 (en) Portable security transaction protocol
WO2006118968A3 (en) System and method for fraud monitoring, detection, and tiered user authentication
WO2007145687A8 (en) Method and apparatus for secure access payment and identification
WO2007078934A3 (en) Method and apparatus for counterfeiting protection
WO2007078935A3 (en) Method and apparatus for counterfeiting protection
WO2007002702A3 (en) Mass compromise / point of compromise analytic detection and compromised card portfolio management system
WO2006093561A3 (en) Secure software communication method and system
WO2005114886A3 (en) System and method of fraud reduction
WO2008061234A3 (en) Dynamic magnetic stripe
WO2007120215A3 (en) Secure electronic commerce using mutating identifiers
WO2007076151A3 (en) Method and apparatus for counterfeiting protection
WO2005029227A3 (en) System and method for authentication
NZ586279A (en) System and method for securing data distributed by a first user to at least one recipient user
WO2007078936A3 (en) Method and apparatus for counterfeiting protection
IN2014MN02389A (en)

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application
ENP Entry into the national phase

Ref document number: 2602317

Country of ref document: CA

NENP Non-entry into the national phase

Ref country code: DE

NENP Non-entry into the national phase

Ref country code: RU

122 Ep: pct application non-entry in european phase

Ref document number: 06737194

Country of ref document: EP

Kind code of ref document: A2